Health insurance is expiring and I haven't really done my homework
October 17, 2010 6:35 PM Subscribe
I'm a 23 y/o male, living back and forth in PA and NJ. I'm looking to buy my own health insurance of some persuasion, and I need lots of advice. I have no known health issues, and I've been slightly underemployed as of late. Thanks!
posted by null14 to health & fitness (6 answers total) 2 users marked this as a favorite
Background: In a few weeks, I'm going to lose my health insurance (PPO). My parents are retired and pay for their coverage through COBRA. To date they have (generously) paid for my plan as well, but they're no longer able to do so. As far as I know, Obamacare reforms (specifically coverage for older children) will not benefit me.
I am 23 with a BA in Linguistics (a whole other question, someday). I am employed, but my job doesn't offer benefits (and is frankly something that was intended to be slightly shorter-term). I am (as far as I know) in good health with no pre-existing conditions. I'm planning to buy my own coverage, probably something with a big deductible but that will still protect me from financial ruin if something truly shitty should happen. My permanent address is in my home state (New Jersey), but I live in Pennsylvania. Rates are much lower in PA, so I'm planning to establish residency here.
Question 1: While I still have doctor visits covered, I thought I might as well make an appointment for a check up, etc. My mother suggested that I wait until I'm no longer covered and pay for the appointment by myself. She claims that if (obligatory god-forbid) some health issue were discovered, my rates would soar and my life would become much more difficult. How true is this? How does this logic apply to PA versus NJ? I believe that NJ has laws against pre-existing condition discrimination, but I don't know how accurate of a picture this is.
Question 2: According to my research, I don't apply for any sort of government benefits. Are there perhaps any details I might be overlooking that would indicate otherwise?
Question 3: Should I investigate temporary policies?
Question 4: Is there anything else I should consider? Any appointments I should make, people whom I should speak with, places I should contact? Advice, lectures, marriage/domestic partner candidates are all welcome!
Thanks in advance for your help!
(tl;dr I don't know how to proceed with getting my own health insurance policy)